Exhibit 99.2

HUNTINGTON BANCSHARES INCORPORATED

Quarterly Financial Supplement

December 31, 2025

Table of Contents

Quarterly Key Statistics			1
Annual Key Statistics			2
Consolidated Balance Sheets			4
Loans and Leases Composition			5
Deposits Composition			6
Consolidated Quarterly Average Balance Sheets			7
Consolidated Quarterly Net Interest Margin - Interest Income / Expense			8
Consolidated Quarterly Net Interest Margin - Yield / Rate			9
Selected Quarterly Income Statement Data			10
Quarterly Mortgage Banking Noninterest Income			11
Quarterly Credit Reserves Analysis			12
Quarterly Net Charge-Off Analysis			13
Quarterly Nonaccrual Loans and Leases (NALs) and Nonperforming Assets (NPAs)			14
Quarterly Accruing Past Due Loans and Leases			15
Quarterly Capital Under Current Regulatory Standards (Basel III)			16
Quarterly Common Stock Summary, Non-Regulatory Capital, and Other Data			17
Consolidated Annual Average Balance Sheets			19
Consolidated Annual Net Interest Margin - Interest Income / Expense			20
Consolidated Annual Net Interest Margin - Yield / Rate			21
Selected Annual Income Statement Data			22
Annual Mortgage Banking Noninterest Income			23
Annual Credit Reserves Analysis			24
Annual Net Charge-Off Analysis			25
Annual Nonaccrual Loans and Leases (NALs) and Nonperforming Assets (NPAs)			26

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Notes:

The preparation of financial statement data in conformity with accounting principles generally accepted in the United States (GAAP) requires management to make estimates and assumptions that affect amounts reported. Actual results could differ from those estimates.

Non-GAAP Financial Measures

This document contains GAAP financial measures and non-GAAP financial measures where management believes it to be helpful in understanding our results of operations or financial position. Where non-GAAP financial measures are used, the comparable GAAP financial measure, as well as the reconciliation to the comparable GAAP financial measure, can be found herein.

Fully-Taxable Equivalent (FTE) Basis

Interest income, yields, and ratios on a FTE basis are considered non-GAAP financial measures. Management believes net interest income on a FTE basis provides a more accurate picture of the interest margin for comparison purposes. The FTE basis also allows management to assess the comparability of revenue arising from both taxable and tax-exempt sources. The FTE basis assumes a federal statutory tax rate of 21%.

Non-Regulatory Capital Ratios

In addition to capital ratios defined by banking regulators, the Company considers various other measures when evaluating capital utilization and adequacy, including:

•Tangible common equity to tangible assets,

•Tangible common equity to risk-weighted assets using Basel III definition, and

•Adjusted common equity tier 1 (CET1).

These non-regulatory capital ratios are viewed by management as useful additional methods of reflecting the level of capital available to withstand unexpected market conditions. Additionally, presentation of these ratios allows readers to compare the Company’s capitalization to other financial services companies. The tangible common equity ratios differ from capital ratios defined by banking regulators principally in that the numerator excludes preferred securities, the nature and extent of which varies among different financial services companies. The adjusted CET1 ratio differs from the defined CET1 regulatory capital ratio the Company is subject to by including the impact of accumulated other comprehensive income (loss) (AOCI) excluding cash flow hedges in the calculation of the capital ratio. These ratios are not defined in GAAP or federal banking regulations. As a result, these non-regulatory capital ratios disclosed by the Company may be considered non-GAAP financial measures.

Because there are no standardized definitions for these non-regulatory capital ratios, the Company’s calculation methods may differ from those used by other financial services companies. Also, there may be limits in the usefulness of these measures to investors. As a result, the Company encourages readers to consider the consolidated financial statements and other financial information contained in the related press release in their entirety, and not to rely on any single financial measure.

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Huntington Bancshares Incorporated

Quarterly Key Statistics

(Unaudited)

			Three Months Ended
(dollar amounts in millions, except per share data)			December 31,						September 30,						December 31,									Percent Changes vs.
			2025						2025						2024									3Q25						4Q24
Net interest income - FTE (1)			$	1,609					$	1,523					$	1,409								6		%				14		%
FTE adjustment			(17)						(17)						(14)									—						(21)
Net interest income			1,592						1,506						1,395									6						14
Provision for credit losses			123						122						107									1						15
Noninterest income			582						628						559									(7)						4
Noninterest expense			1,420						1,246						1,178									14						21
Income before income taxes			631						766						669									(18)						(6)
Provision for income taxes			108						133						135									(19)						(20)
Income after income taxes			523						633						534									(17)						(2)
Income attributable to non-controlling interest			4						4						4									—						—
Net income attributable to Huntington			519						629						530									(17)						(2)
Dividends on preferred shares			43						27						27									59						59
Impact of preferred stock redemptions			—						—						5									—						NM
Net income applicable to common shares			$	476					$	602					$	498								(21)		%				(4)		%
Net income per common share - diluted			$	0.30					$	0.41					$	0.34								(27)		%				(12)		%
Cash dividends declared per common share			0.155						0.155						0.155									—						—
Tangible book value per common share at end of period			9.89						9.54						8.33									4						19
Average common shares - basic			1,544						1,459						1,453									6						6
Average common shares - diluted			1,570						1,485						1,481									6						6
Ending common shares outstanding			1,568						1,459						1,454									7						8
Return on average assets			0.93		%				1.19		%				1.05		%
Return on average common shareholders’ equity			8.9						12.4						11.0
Return on average tangible common shareholders’ equity (2)			12.7						17.8						16.4
Net interest margin (1)			3.15						3.13						3.03
Efficiency ratio (3)			64.2						57.4						58.6
Effective tax rate			17.2						17.4						20.1
Average total assets			$	220,230					$	209,727					$	201,815								5		%				9		%
Average earning assets			202,511						192,732						185,222									5						9
Average loans and leases			146,607						135,944						128,158									8						14
Average total deposits			173,156						164,812						159,405									5						9
Average Huntington shareholders’ equity			23,896						21,348						20,013									12						19
Average common shareholders' equity			21,165						19,197						17,979									10						18
Average tangible common shareholders' equity			15,150						13,587						12,338									12						23
Total assets at end of period			225,106						210,228						204,230									7						10
Total Huntington shareholders’ equity at end of period			24,342						22,248						19,740									9						23
NCOs as a % of average loans and leases			0.24		%				0.22		%				0.30		%
NAL ratio			0.62						0.59						0.60
NPA ratio (4)			0.63						0.60						0.63
Allowance for loan and lease losses (ALLL) as a % of total loans and leases at the end of period			1.70						1.72						1.73
Allowance for credit losses (ACL) as a % of total loans and leases at the end of period			1.83						1.86						1.88
Common equity tier 1 risk-based capital ratio (5)			10.4						10.6						10.5
Tangible common equity / tangible asset ratio (6)			7.1						6.8						6.1

NM - Not Meaningful

See Notes to Quarterly and Annual Key Statistics.

1

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Huntington Bancshares Incorporated

Annual Key Statistics

(Unaudited)

			Year Ended December 31,												Change
(dollar amounts in millions, except per share data)			2025						2024						Amount						Percent
Net interest income - FTE (1)			$	6,056					$	5,398					$	658					12		%
FTE adjustment			(65)						(53)						(12)						(23)
Net interest income			5,991						5,345						646						12
Provision for credit losses			463						420						43						10
Noninterest income			2,175						2,040						135						7
Noninterest expense			5,015						4,562						453						10
Income before income taxes			2,688						2,403						285						12
Provision for income taxes			459						443						16						4
Income after income taxes			2,229						1,960						269						14
Income attributable to non-controlling interest			18						20						(2)						(10)
Net income attributable to Huntington			2,211						1,940						271						14
Dividends on preferred shares			124						134						(10)						(7)
Impact of preferred stock redemptions			—						5						(5)						NM
Net income applicable to common shares			$	2,087					$	1,801					$	286					16		%
Net income per common share - diluted			$	1.39					$	1.22					$	0.17					14		%
Cash dividends declared per common share			0.62						0.62						—						—
Average common shares - basic			1,479						1,451						28						2
Average common shares - diluted			1,505						1,476						29						2
Return on average assets			1.05		%				0.99		%
Return on average common shareholders’ equity			10.8						10.4
Return on average tangible common shareholders’ equity (2)			15.7						15.7
Net interest margin (1)			3.13						3.00
Efficiency ratio (3)			59.9						60.5
Effective tax rate			17.1						18.4
Average total assets			$	210,763					$	196,260					$	14,503					7		%
Average earning assets			193,695						179,756						13,939						8
Average loans and leases			136,687						124,503						12,184						10
Average total deposits			165,778						155,066						10,712						7
Average Huntington shareholders’ equity			21,458						19,651						1,807						9
Average common shareholders' equity			19,241						17,347						1,894						11
Average tangible common shareholders' equity			13,520						11,693						1,827						16
NCOs as a % of average loans and leases			0.23		%				0.30		%

NM - Not Meaningful

See Notes to Quarterly and Annual Key Statistics.

2

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Notes to Quarterly and Annual Key Statistics

(1)Calculated on a fully-taxable equivalent (FTE) basis, which represents a non-GAAP measure, assuming a 21% tax rate.

(2)Net income applicable to common shares excluding expense for amortization of intangibles for the period divided by average tangible common shareholders’ equity. Average tangible common shareholders’ equity equals average total common shareholders’ equity less average intangible assets and goodwill. Expense for amortization of intangibles and average intangible assets are net of deferred tax liability, and calculated on a fully-taxable equivalent (FTE) basis, which represents a non-GAAP measure, assuming a 21% tax rate.

(3)Noninterest expense less amortization of intangibles divided by the sum of FTE net interest income and noninterest income excluding securities gains (losses).

(4)NPAs include other nonperforming assets, which includes certain impaired securities and/or nonaccrual loans held for sale, and other real estate owned.

(5)December 31, 2025 figure is estimated.

(6)Tangible common equity (total common equity less goodwill and other intangible assets) divided by tangible assets (total assets less goodwill and other intangible assets), which represents a non-GAAP measure. Other intangible assets are net of deferred tax liability, calculated at a 21% tax rate. See page 18 for reconciliation.

3

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Huntington Bancshares Incorporated

Consolidated Balance Sheets

			At December 31,
(dollar amounts in millions)			2025						2024						Percent Changes
			(Unaudited)
Assets
Cash and due from banks			$	1,783					$	1,685					6		%
Interest-earning deposits with banks			12,295						11,647						6
Trading account securities			63						53						19
Available-for-sale securities			26,132						27,273						(4)
Held-to-maturity securities			15,258						16,368						(7)
Other securities			994						823						21
Loans held for sale			1,415						654						116
Loans and leases (1)			149,642						130,042						15
Allowance for loan and lease losses			(2,537)						(2,244)						(13)
Net loans and leases			147,105						127,798						15
Bank owned life insurance			2,902						2,793						4
Accrued income and other receivables			2,621						2,190						20
Premises and equipment			1,321						1,066						24
Goodwill			5,997						5,561						8
Servicing rights and other intangible assets			752						677						11
Other assets			6,468						5,642						15
Total assets			$	225,106					$	204,230					10		%
Liabilities and shareholders' equity
Liabilities
Deposits (2)			$	176,610					$	162,448					9		%
Short-term borrowings			1,261						199						534		%
Long-term debt			17,221						16,374						5
Other liabilities			5,635						5,427						4
Total liabilities			200,727						184,448						9
Shareholders' equity
Preferred stock			2,731						1,989						37
Common stock			16						15						7
Capital surplus			17,244						15,484						11
Less treasury shares, at cost			(92)						(86)						(7)
Accumulated other comprehensive income (loss)			(1,908)						(2,866)						33
Retained earnings			6,351						5,204						22
Total Huntington shareholders’ equity			24,342						19,740						23
Non-controlling interest			37						42						(12)
Total equity			24,379						19,782						23
Total liabilities and equity			$	225,106					$	204,230					10		%
Common shares authorized (par value of $0.01)			2,250,000,000						2,250,000,000
Common shares outstanding			1,567,732,506						1,453,635,809
Treasury shares outstanding			7,187,541						6,984,102
Preferred stock, authorized shares			6,617,808						6,617,808
Preferred shares outstanding			885,000						877,500

(1)See page 5 for detail of loans and leases.

(2)See page 6 for detail of deposits.

4

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Huntington Bancshares Incorporated

Loans and Leases Composition

(Unaudited)

			December 31,												September 30,												June 30,												March 31,												December 31,
(dollar amounts in millions)			2025												2025												2025												2025												2024
Ending balances by type:
Total loans and leases
Commercial:
Commercial and industrial			$	69,442					46		%				$	62,978					45		%				$	60,723					45		%				$	58,948					45		%				$	56,809					43		%
Commercial real estate:
Commercial			12,919						8						9,613						7						9,793						7						10,196						7						10,215						8
Construction			2,290						2						1,119						1						905						1						772						1						863						1
Commercial real estate			15,209						10						10,732						8						10,698						8						10,968						8						11,078						9
Lease financing			5,727						4						5,515						4						5,516						4						5,451						4						5,454						4
Total commercial			90,378						60						79,225						57						76,937						57						75,367						57						73,341						56
Consumer:
Residential mortgage			24,777						17						24,502						18						24,527						19						24,369						19						24,242						19
Automobile			16,168						11						15,996						12						15,382						11						14,877						11						14,564						11
Home equity			10,395						7						10,314						7						10,221						8						10,130						8						10,142						8
RV and marine			5,682						4						5,805						4						5,907						4						5,939						4						5,982						5
Other consumer			2,242						1						2,114						2						1,986						1						1,823						1						1,771						1
Total consumer			59,264						40						58,731						43						58,023						43						57,138						43						56,701						44
Total loans and leases			$	149,642					100		%				$	137,956					100		%				$	134,960					100		%				$	132,505					100		%				$	130,042					100		%
Ending balances by business segment:
Consumer & Regional Banking			$	79,069					53		%				$	75,027					55		%				$	73,887					55		%				$	72,653					55		%				$	72,051					56		%
Commercial Banking			70,391						47						62,755						45						60,823						45						59,726						45						57,858						44
Treasury / Other			182						—						174						—						250						—						126						—						133						—
Total loans and leases			$	149,642					100		%				$	137,956					100		%				$	134,960					100		%				$	132,505					100		%				$	130,042					100		%
Average balances by business segment:
Consumer & Regional Banking			$	77,908					53		%				$	74,306					55		%				$	73,154					55		%				$	72,043					55		%				$	71,390					56		%
Commercial Banking			68,388						47						61,373						45						59,806						45						58,588						45						56,492						44
Treasury / Other			311						—						265						—						211						—						231						—						276						—
Total loans and leases			$	146,607					100		%				$	135,944					100		%				$	133,171					100		%				$	130,862					100		%				$	128,158					100		%

5

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Huntington Bancshares Incorporated

Deposits Composition

(Unaudited)

			December 31,												September 30,												June 30,												March 31,												December 31,
(dollar amounts in millions)			2025												2025												2025												2025												2024
Ending balances by type:
Total deposits
Demand deposits - noninterest-bearing			$	32,205					18		%				$	28,596					17		%				$	28,656					18		%				$	30,217					18		%				$	29,345					18		%
Demand deposits - interest-bearing			48,510						27						46,056						28						45,468						28						44,992						28						43,378						27
Money market deposits			65,123						37						62,837						38						60,998						37						61,608						37						60,730						37
Savings deposits			15,426						9						14,986						9						15,112						9						15,179						9						14,723						9
Time deposits			15,346						9						12,737						8						13,146						8						13,341						8						14,272						9
Total deposits			$	176,610					100		%				$	165,212					100		%				$	163,380					100		%				$	165,337					100		%				$	162,448					100		%
Ending balances by business segment:
Consumer & Regional Banking			$	117,188					66		%				$	110,043					67		%				$	111,926					68		%				$	112,972					68		%				$	111,390					69		%
Commercial Banking			50,657						29						47,651						28						43,691						27						44,090						27						43,366						26
Treasury / Other			8,765						5						7,518						5						7,763						5						8,275						5						7,692						5
Total deposits			$	176,610					100		%				$	165,212					100		%				$	163,380					100		%				$	165,337					100		%				$	162,448					100		%
Average balances by business segment:
Consumer & Regional Banking			$	114,613					66		%				$	111,138					68		%				$	112,135					69		%				$	110,974					69		%				$	110,750					70		%
Commercial Banking			50,470						29						46,346						28						43,288						26						42,714						26						41,741						26
Treasury / Other			8,073						5						7,328						4						8,006						5						7,912						5						6,914						4
Total deposits			$	173,156					100		%				$	164,812					100		%				$	163,429					100		%				$	161,600					100		%				$	159,405					100		%

6

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Huntington Bancshares Incorporated

Consolidated Quarterly Average Balance Sheets

(Unaudited)

			Quarterly Average Balances (1)
			December 31,						September 30,						June 30,						March 31,						December 31,									Percent Changes vs.
(dollar amounts in millions)			2025						2025						2025						2025						2024									3Q25						4Q24
Assets
Interest-earning deposits with banks			$	12,231					$	11,823					$	12,264					$	11,632					$	11,027								3		%				11		%
Securities:
Trading account securities			112						629						634						487						645									(82)						(83)
Available-for-sale securities:
Taxable			22,879						23,485						24,015						24,245						24,778									(3)						(8)
Tax-exempt			3,405						3,318						3,251						3,254						3,056									3						11
Total available-for-sale securities			26,284						26,803						27,266						27,499						27,834									(2)						(6)
Held-to-maturity securities - taxable			15,397						15,752						16,130						16,358						16,053									(2)						(4)
Other securities			949						888						881						877						824									7						15
Total securities			42,742						44,072						44,911						45,221						45,356									(3)						(6)
Loans held for sale			931						893						746						584						681									4						37
Loans and leases: (2)
Commercial:
Commercial and industrial			67,378						61,440						59,393						57,555						55,136									10						22
Commercial real estate:
Commercial			12,192						9,672						9,955						10,206						10,461									26						17
Construction			2,076						1,020						830						815						818									104						154
Commercial real estate			14,268						10,692						10,785						11,021						11,279									33						27
Lease financing			5,498						5,483						5,458						5,476						5,424									—						1
Total commercial			87,144						77,615						75,636						74,052						71,839									12						21
Consumer:
Residential mortgage			25,098						24,511						24,423						24,299						24,127									2						4
Automobile			16,114						15,693						15,132						14,665						14,350									3						12
Home equity			10,372						10,264						10,196						10,123						10,134									1						2
RV and marine			5,747						5,860						5,921						5,951						6,009									(2)						(4)
Other consumer			2,132						2,001						1,863						1,772						1,699									7						25
Total consumer			59,463						58,329						57,535						56,810						56,319									2						6
Total loans and leases			146,607						135,944						133,171						130,862						128,158									8						14
Total earning assets			202,511						192,732						191,092						188,299						185,222									5						9
Cash and due from banks			1,396						1,445						1,407						1,404						1,348									(3)						4
Goodwill and other intangible assets			6,043						5,625						5,640						5,651						5,662									7						7
All other assets			10,280						9,925						9,713						9,733						9,583									4						7
Total assets			$	220,230					$	209,727					$	207,852					$	205,087					$	201,815								5		%				9		%
Liabilities and shareholders' equity
Interest-bearing deposits:
Demand deposits - interest-bearing			$	47,185					$	45,980					$	44,677					$	43,582					$	41,802								3		%				13		%
Money market deposits			65,182						62,009						61,090						60,213						58,297									5						12
Savings deposits			15,360						15,042						15,127						14,866						14,648									2						5
Time deposits			14,661						12,773						13,290						13,993						15,076									15						(3)
Total interest-bearing deposits			142,388						135,804						134,184						132,654						129,823									5						10
Short-term borrowings			897						1,267						1,261						1,439						1,249									(29)						(28)
Long-term debt			17,335						17,433						17,776						16,901						16,081									(1)						8
Total interest-bearing liabilities			160,620						154,504						153,221						150,994						147,153									4						9
Demand deposits - noninterest-bearing			30,768						29,008						29,245						28,946						29,582									6						4
All other liabilities			4,907						4,826						4,788						5,102						5,020									2						(2)
Total liabilities			196,295						188,338						187,254						185,042						181,755									4						8
Total Huntington shareholders’ equity			23,896						21,348						20,548						19,997						20,013									12						19
Non-controlling interest			39						41						50						48						47									(5)						(17)
Total equity			23,935						21,389						20,598						20,045						20,060									12						19
Total liabilities and equity			$	220,230					$	209,727					$	207,852					$	205,087					$	201,815								5		%				9		%

(1)Amounts include the effects of hedge and risk management activities associated with the respective asset and liability categories.

(2)Includes nonaccrual loans and leases.

7

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Huntington Bancshares Incorporated

Consolidated Quarterly Net Interest Margin - Interest Income / Expense

(Unaudited)

			Quarterly Interest Income / Expense (1) (2)
			December 31,						September 30,						June 30,						March 31,						December 31,
(dollar amounts in millions)			2025						2025						2025						2025						2024
Assets
Interest-earning deposits with banks			$	124					$	134					$	139					$	129					$	136
Securities:
Trading account securities			—						7						6						4						8
Available-for-sale securities:
Taxable			212						246						278						287						302
Tax-exempt			43						41						41						42						38
Total available-for-sale securities			255						287						319						329						340
Held-to-maturity securities - taxable			103						105						107						108						104
Other securities			11						12						12						12						12
Total securities			369						411						444						453						464
Loans held for sale			14						15						12						9						11
Loans and leases:
Commercial:
Commercial and industrial			1,023						959						914						873						851
Commercial real estate:
Commercial			197						168						166						170						185
Construction			36						19						17						15						22
Commercial real estate			233						187						183						185						207
Lease financing			91						93						92						89						89
Total commercial			1,347						1,239						1,189						1,147						1,147
Consumer:
Residential mortgage			269						259						253						250						243
Automobile			241						234						219						207						205
Home equity			184						190						186						183						190
RV and marine			80						80						79						78						81
Other consumer			54						55						51						48						47
Total consumer			828						818						788						766						766
Total loans and leases			2,175						2,057						1,977						1,913						1,913
Total earning assets			$	2,682					$	2,617					$	2,572					$	2,504					$	2,524
Liabilities
Interest-bearing deposits:
Demand deposits - interest-bearing			$	227					$	235					$	223					$	205					$	209
Money market deposits			437						466						464						458						479
Savings deposits			19						13						11						7						6
Time deposits			137						116						124						140						169
Total interest-bearing deposits			820						830						822						810						863
Short-term borrowings			10						13						13						14						17
Long-term debt			243						251						254						239						235
Total interest-bearing liabilities			1,073						1,094						1,089						1,063						1,115
Net interest income			$	1,609					$	1,523					$	1,483					$	1,441					$	1,409

(1)Calculated on a fully-taxable equivalent (FTE) basis, which represents a non-GAAP measure, assuming a 21% tax rate. See page 10 for the FTE adjustment.

(2)Amounts include the effects of hedge and risk management activities associated with the respective asset and liability categories.

8

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Huntington Bancshares Incorporated

Consolidated Quarterly Net Interest Margin - Yield / Rate

(Unaudited)

			Quarterly Average Yield / Rate (1)
			December 31,						September 30,						June 30,						March 31,						December 31,
			2025						2025						2025						2025						2024
Assets
Interest-earning deposits with banks			4.03		%				4.53		%				4.52		%				4.45		%				4.92		%
Securities:
Trading account securities			2.58						4.03						3.72						3.67						5.39
Available-for-sale securities:
Taxable			3.72						4.19						4.62						4.73						4.87
Tax-exempt			4.99						5.02						4.93						5.22						5.00
Total available-for-sale securities			3.88						4.29						4.66						4.79						4.89
Held-to-maturity securities - taxable			2.66						2.66						2.66						2.64						2.59
Other securities			4.86						5.15						5.85						5.28						6.01
Total securities			3.46						3.72						3.95						4.01						4.10
Loans held for sale			6.13						6.52						6.43						6.48						6.28
Loans and leases: (2)
Commercial:
Commercial and industrial			5.94						6.11						6.09						6.07						6.05
Commercial real estate:
Commercial			6.32						6.83						6.59						6.66						6.91
Construction			6.77						7.11						8.16						7.47						10.64
Commercial real estate			6.39						6.86						6.71						6.72						7.18
Lease financing			6.48						6.69						6.66						6.49						6.38
Total commercial			6.05						6.25						6.22						6.19						6.25
Consumer:
Residential mortgage			4.29						4.23						4.15						4.11						4.03
Automobile			5.93						5.92						5.82						5.71						5.70
Home equity			7.02						7.34						7.32						7.33						7.42
RV and marine			5.53						5.41						5.31						5.34						5.35
Other consumer			10.11						10.82						10.88						11.01						11.18
Total consumer			5.54						5.57						5.49						5.44						5.42
Total loans and leases			5.84						5.96						5.91						5.87						5.89
Total earning assets			5.25						5.39						5.40						5.39						5.42
Liabilities
Interest-bearing deposits:
Demand deposits - interest-bearing			1.91						2.02						2.00						1.91						1.99
Money market deposits			2.66						2.99						3.05						3.08						3.27
Savings deposits			0.47						0.35						0.28						0.20						0.16
Time deposits			3.69						3.60						3.74						4.06						4.47
Total interest-bearing deposits			2.28						2.43						2.46						2.48						2.65
Short-term borrowings			4.45						3.90						4.37						3.87						5.37
Long-term debt			5.61						5.75						5.69						5.68						5.83
Total interest-bearing liabilities			2.65						2.81						2.85						2.86						3.01
Net interest rate spread			2.60						2.58						2.55						2.53						2.41
Impact of noninterest-bearing funds on margin			0.55						0.55						0.56						0.57						0.62
Net interest margin			3.15		%				3.13		%				3.11		%				3.10		%				3.03		%

Additional information:
Commercial Loan Derivative Impact
Commercial loans (2) (3)			6.23		%				6.50		%				6.49		%				6.57		%				6.77		%
Impact of commercial loan derivatives			(0.18)						(0.25)						(0.27)						(0.38)						(0.52)
Total commercial - as reported			6.05		%				6.25		%				6.22		%				6.19		%				6.25		%
Average SOFR			4.00		%				4.33		%				4.32		%				4.33		%				4.68		%
Total cost of deposits (4)			1.88		%				2.00		%				2.02		%				2.03		%				2.16		%

(1)Calculated on a fully-taxable equivalent (FTE) basis, which represents a non-GAAP measure, assuming a 21% tax rate. See page 10 for the FTE adjustment.

(2)Includes nonaccrual loans and leases.

(3)Yields/rates exclude the effects of hedge and risk management activities associated with the respective asset and liability categories.

(4)Includes noninterest-bearing and interest-bearing deposit balances.

9

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Huntington Bancshares Incorporated

Selected Quarterly Income Statement Data

(Unaudited)

			Three Months Ended
(dollar amounts in millions, except per share data)			December 31,						September 30,						June 30,						March 31,						December 31,
			2025						2025						2025						2025						2024
Interest income			$	2,665					$	2,600					$	2,556					$	2,489					$	2,510
Interest expense			1,073						1,094						1,089						1,063						1,115
Net interest income			1,592						1,506						1,467						1,426						1,395
Provision for credit losses			123						122						103						115						107
Net interest income after provision for credit losses			1,469						1,384						1,364						1,311						1,288
Payments and cash management revenue			170						174						165						155						162
Wealth and asset management revenue			102						104						102						101						93
Customer deposit and loan fees			107						102						95						86						88
Capital markets and advisory fees			101						94						84						67						120
Mortgage banking income			39						43						28						31						31
Insurance income			22						20						19						20						22
Leasing revenue			19						23						10						14						19
Net gains (losses) on sales of securities			—						—						(58)						—						(21)
Other noninterest income			22						68						26						20						45
Total noninterest income			582						628						471						494						559
Personnel costs			845						757						722						671						715
Outside data processing and other services			222						198						182						170						167
Equipment			67						66						68						67						70
Net occupancy			56						57						54						65						56
Professional services			80						31						22						22						27
Marketing			36						34						28						29						28
Deposit and other insurance expense			(1)						9						20						37						20
Amortization of intangibles			13						11						11						11						12
Lease financing equipment depreciation			3						4						2						4						3
Other noninterest expense			99						79						88						76						80
Total noninterest expense			1,420						1,246						1,197						1,152						1,178
Income before income taxes			631						766						638						653						669
Provision for income taxes			108						133						96						122						135
Income after income taxes			523						633						542						531						534
Income attributable to non-controlling interest			4						4						6						4						4
Net income attributable to Huntington			519						629						536						527						530
Dividends on preferred shares			43						27						27						27						27
Impact of preferred stock redemptions			—						—						—						—						5
Net income applicable to common shares			$	476					$	602					$	509					$	500					$	498
Average common shares - basic			1,544						1,459						1,457						1,454						1,453
Average common shares - diluted			1,570						1,485						1,481						1,482						1,481
Per common share
Net income - basic			$	0.31					$	0.41					$	0.35					$	0.34					$	0.34
Net income - diluted			0.30						0.41						0.34						0.34						0.34
Cash dividends declared			0.155						0.155						0.155						0.155						0.155
Revenue - fully-taxable equivalent (FTE)
Net interest income			$	1,592					$	1,506					$	1,467					$	1,426					$	1,395
FTE adjustment			17						17						16						15						14
Net interest income (1)			1,609						1,523						1,483						1,441						1,409
Noninterest income			582						628						471						494						559
Total revenue (1)			$	2,191					$	2,151					$	1,954					$	1,935					$	1,968

(1)Calculated on a fully-taxable equivalent (FTE) basis, which represents a non-GAAP measure, assuming a 21% tax rate.

10

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Huntington Bancshares Incorporated

Quarterly Mortgage Banking Noninterest Income

(Unaudited)

			Three Months Ended
			December 31,						September 30,						June 30,						March 31,						December 31,									Percent Changes vs.
(dollar amounts in millions)			2025						2025						2025						2025						2024									3Q25						4Q24
Net origination and secondary marketing income			$	28					$	30					$	26					$	18					$	25								(7)		%				12		%
Net mortgage servicing income
Loan servicing income			26						26						26						26						26									—						—
Amortization of capitalized servicing			(20)						(17)						(18)						(13)						(16)									(18)						(25)
Operating income			6						9						8						13						10									(33)						(40)
MSR valuation adjustment (1)			13						(1)						—						(15)						53									NM						(75)
Gains (losses) due to MSR hedging			(8)						4						(6)						15						(57)									NM						86
Net MSR risk management			5						3						(6)						—						(4)									67						225
Total net mortgage servicing income			11						12						2						13						6									(8)						83
All other			—						1						—						—						—									NM						—
Mortgage banking income			$	39					$	43					$	28					$	31					$	31								(9)		%				26		%
Mortgage origination volume			$	2,178					$	2,243					$	2,412					$	1,599					$	2,093								(3)		%				4		%
Mortgage origination volume for sale			1,421						1,516						1,508						938						1,220									(6)						16
Third party mortgage loans serviced (2)			$	34,407					$	34,370					$	33,925					$	33,864					$	33,696								—		%				2		%
Mortgage servicing rights (2)			593						576						567						564						573									3						3
MSR % of investor servicing portfolio (2)			1.72		%				1.67		%				1.67		%				1.66		%				1.70		%							3		%				1		%

NM - Not Meaningful

(1)The change in fair value for the period represents the MSR valuation adjustment, net of amortization of capitalized servicing.

(2)At period end.

11

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Huntington Bancshares Incorporated

Quarterly Credit Reserves Analysis

(Unaudited)

			Three Months Ended
			December 31,						September 30,						June 30,						March 31,						December 31,
(dollar amounts in millions)			2025						2025						2025						2025						2024
Allowance for loan and lease losses, beginning of period			$	2,374					$	2,331					$	2,263					$	2,244					$	2,235
Loan and lease charge-offs			(145)						(137)						(111)						(133)						(129)
Recoveries of loans and leases previously charged off			56						62						45						47						32
Net loan and lease charge-offs			(89)						(75)						(66)						(86)						(97)
Provision for loan and lease losses			109						118						134						105						106
Allowance on purchased credit deteriorated (PCD) loans and leases at acquisition			71						—						—						—						—
Allowance on purchased seasoned loans and leases at acquisition (1)			72						—						—						—						—
Allowance for loan and lease losses, end of period			2,537						2,374						2,331						2,263						2,244
Allowance for unfunded lending commitments, beginning of period			188						184						215						202						201
Provision for unfunded lending commitments			14						4						(31)						13						1
Allowance for unfunded lending commitments at acquisition			4						—						—						—						—
Allowance for unfunded lending commitments, end of period			206						188						184						215						202
Total allowance for credit losses, end of period			$	2,743					$	2,562					$	2,515					$	2,478					$	2,446
Allowance for loan and lease losses (ALLL) as % of:
Total loans and leases			1.70		%				1.72		%				1.73		%				1.71		%				1.73		%
Nonaccrual loans and leases (NALs)			272						294						277						302						286
Nonperforming assets (NPAs)			269						289						274						281						273
Total allowance for credit losses (ACL) as % of:
Total loans and leases			1.83		%				1.86		%				1.86		%				1.87		%				1.88		%
Nonaccrual loans and leases (NALs)			295						317						299						331						312
Nonperforming assets (NPAs)			290						312						295						308						297

(1)    Reflects Huntington's October 1, 2025 adoption of Accounting Standards Update (ASU) 2025-08 applicable to purchased loans whereby non-PCD loans acquired in a business combination are deemed "purchased seasoned loans" and subject to the gross-approach resulting in recognition of an allowance for credit losses at acquisition.

			December 31,						September 30,						June 30,						March 31,						December 31,
(dollar amounts in millions)			2025						2025						2025						2025						2024
Allocation of allowance for credit losses
Commercial
Commercial and industrial			$	1,070					$	1,084					$	1,068					$	1,017					$	947
Commercial real estate			569						419						417						443						473
Lease financing			92						65						63						60						64
Total commercial			1,731						1,568						1,548						1,520						1,484
Consumer
Residential mortgage			205						204						208						199						205
Automobile			181						172						161						150						145
Home equity			149						160						153						140						148
RV and marine			136						141						143						146						150
Other consumer			135						129						118						108						112
Total consumer			806						806						783						743						760
Total allowance for loan and lease losses			2,537						2,374						2,331						2,263						2,244
Allowance for unfunded lending commitments			206						188						184						215						202
Total allowance for credit losses			$	2,743					$	2,562					$	2,515					$	2,478					$	2,446

12

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Huntington Bancshares Incorporated

Quarterly Net Charge-Off Analysis

(Unaudited)

			Three Months Ended
			December 31,						September 30,						June 30,						March 31,						December 31,
(dollar amounts in millions)			2025						2025						2025						2025						2024
Net charge-offs (recoveries) by loan and lease type:
Commercial:
Commercial and industrial			$	40					$	39					$	32					$	48					$	52
Commercial real estate			8						(4)						(3)						(8)						(2)
Lease financing			(8)						1						2						4						1
Total commercial			40						36						31						44						51
Consumer:
Residential mortgage			—						—						1						—						—
Automobile			14						10						7						13						12
Home equity			—						1						—						—						—
RV and marine			6						4						5						7						7
Other consumer			29						24						22						22						27
Total consumer			49						39						35						42						46
Total net charge-offs			$	89					$	75					$	66					$	86					$	97
Net charge-offs (recoveries) - annualized percentages:
Commercial:
Commercial and industrial			0.24		%				0.25		%				0.22		%				0.33		%				0.39		%
Commercial real estate			0.21						(0.13)						(0.14)						(0.26)						(0.08)
Lease financing			(0.53)						0.04						0.12						0.33						0.06
Total commercial			0.18						0.18						0.16						0.24						0.29
Consumer:
Residential mortgage			0.01						0.01						0.01						—						0.01
Automobile			0.36						0.26						0.19						0.35						0.32
Home equity			(0.01)						0.01						0.01						—						(0.02)
RV and marine			0.45						0.30						0.33						0.45						0.43
Other consumer			5.22						4.92						4.86						4.89						6.51
Total consumer			0.33						0.27						0.25						0.29						0.32
Net charge-offs as a % of average loans and leases			0.24		%				0.22		%				0.20		%				0.26		%				0.30		%

13

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Huntington Bancshares Incorporated

Quarterly Nonaccrual Loans and Leases (NALs) and Nonperforming Assets (NPAs) (1)

(Unaudited)

			December 31,						September 30,						June 30,						March 31,						December 31,
(dollar amounts in millions)			2025						2025						2025						2025						2024
Nonaccrual loans and leases (NALs):
Commercial and industrial			$	562					$	455					$	489					$	413					$	457
Commercial real estate			133						131						138						118						118
Lease financing			8						10						10						11						10
Residential mortgage			107						97						93						90						83
Automobile			6						6						5						4						6
Home equity			113						108						105						110						107
RV and marine			2						1						2						2						2
Total nonaccrual loans and leases			931						808						842						748						783
Other real estate, net			13						10						10						8						8
Other NPAs (1)			1						3						—						48						31
Total nonperforming assets			$	945					$	821					$	852					$	804					$	822
Nonaccrual loans and leases as a % of total loans and leases			0.62		%				0.59		%				0.62		%				0.56		%				0.60		%
NPA ratio (2)			0.63						0.60						0.63						0.61						0.63
(NPA+90days)/(Loan+OREO) (3)			0.82						0.76						0.81						0.77						0.82

			Three Months Ended
			December 31,						September 30,						June 30,						March 31,						December 31,
(dollar amounts in millions)			2025						2025						2025						2025						2024
Nonperforming assets, beginning of period			$	821					$	852					$	804					$	822					$	784
Acquired nonperforming assets			81						—						—						—						—
New nonperforming assets			300						252						343						250						271
Returns to accruing status			(22)						(25)						(27)						(31)						(46)
Charge-offs			(75)						(62)						(57)						(55)						(37)
Payments			(141)						(167)						(203)						(178)						(146)
Sales			(19)						(29)						(8)						(4)						(4)
Nonperforming assets, end of period			$	945					$	821					$	852					$	804					$	822

(1)Other nonperforming assets include certain impaired securities and/or nonaccrual loans held-for-sale.

(2)Nonperforming assets divided by the sum of loans and leases, net other real estate owned, and other NPAs.

(3)The sum of nonperforming assets and total accruing loans and leases past due 90 days or more divided by the sum of loans and leases and other real estate owned.

14

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Huntington Bancshares Incorporated

Quarterly Accruing Past Due Loans and Leases

(Unaudited)

			December 31,						September 30,						June 30,						March 31,						December 31,
(dollar amounts in millions)			2025						2025						2025						2025						2024
Accruing loans and leases past due 90+ days:
Commercial and industrial			$	1					$	1					$	4					$	2					$	3
Lease financing			9						6						14						8						11
Residential mortgage (excluding loans guaranteed by the U.S. Government)			46						35						40						29						34
Automobile			14						12						10						8						12
Home equity			16						20						18						18						20
RV and marine			4						3						2						3						4
Other consumer			6						5						4						4						4
Total, excl. loans guaranteed by the U.S. Government			96						82						92						72						88
Add: loans guaranteed by U.S. Government			186						152						149						148						151
Total accruing loans and leases past due 90+ days, including loans guaranteed by the U.S. Government			$	282					$	234					$	241					$	220					$	239
Ratios:
Excluding loans guaranteed by the U.S. Government, as a percent of total loans and leases			0.06		%				0.06		%				0.07		%				0.05		%				0.07		%
Guaranteed by U.S. Government, as a percent of total loans and leases			0.12						0.11						0.11						0.11						0.12
Including loans guaranteed by the U.S. Government, as a percent of total loans and leases			0.19						0.17						0.18						0.17						0.18

15

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Huntington Bancshares Incorporated

Quarterly Capital Under Current Regulatory Standards (Basel III)

(Unaudited)

			December 31,						September 30,						June 30,						March 31,						December 31,
(dollar amounts in millions)			2025						2025						2025						2025						2024
Common equity tier 1 risk-based capital ratio: (1)
Total Huntington shareholders’ equity			$	24,342					$	22,248					$	20,928					$	20,434					$	19,740
Regulatory capital adjustments:
CECL transitional amount (2)			—						—						—						—						109
Shareholders’ preferred equity and related surplus			(2,741)						(2,741)						(1,999)						(1,999)						(1,999)
Accumulated other comprehensive loss			1,904						2,065						2,241						2,422						2,866
Goodwill and other intangibles, net of taxes			(5,999)						(5,481)						(5,508)						(5,520)						(5,534)
Deferred tax assets from tax loss and credit carryforwards			(230)						(167)						(123)						(68)						(55)
Common equity tier 1 capital			17,276						15,924						15,539						15,269						15,127
Additional tier 1 capital
Shareholders’ preferred equity and related surplus			2,741						2,741						1,999						1,999						1,999
Tier 1 capital			20,017						18,665						17,538						17,268						17,126
Long-term debt and other tier 2 qualifying instruments			1,481						1,477						1,606						1,641						1,641
Qualifying allowance for loan and lease losses			2,085						1,880						1,859						1,811						1,798
Tier 2 capital			3,566						3,357						3,465						3,452						3,439
Total risk-based capital			$	23,583					$	22,022					$	21,003					$	20,720					$	20,565
Risk-weighted assets (RWA) (1)			$	166,651					$	150,222					$	148,602					$	144,632					$	143,650
Common equity tier 1 risk-based capital ratio (1)			10.4		%				10.6		%				10.5		%				10.6		%				10.5		%
Other regulatory capital data:
Tier 1 leverage ratio (1)			9.2						9.0						8.5						8.5						8.6
Tier 1 risk-based capital ratio (1)			12.0						12.4						11.8						11.9						11.9
Total risk-based capital ratio (1)			14.2						14.7						14.1						14.3						14.3

Reconciliation of Non-GAAP Measure (3)
Common equity tier 1 (CET1) capital (A)			$	17,276					$	15,924					$	15,539					$	15,269					$	15,127
Add: Accumulated other comprehensive income (loss) (AOCI)			(1,904)						(2,065)						(2,241)						(2,422)						(2,866)
Less: AOCI cash flow hedge			27						16						(7)						(90)						(267)
Adjusted common equity tier 1 (B)			15,345						13,843						13,305						12,937						12,528
Risk-weighted assets (C)			166,651						150,222						148,602						144,632						143,650
CET1 ratio (A/C)			10.4		%				10.6		%				10.5		%				10.6		%				10.5		%
Adjusted CET1 ratio (B/C)			9.2						9.2						9.0						8.9						8.7

(1)December 31, 2025 figures are estimated.

(2)Huntington elected to temporarily delay certain effects of CECL on regulatory capital pursuant to a rule that allowed BHCs and banks to delay the impact of adopting CECL for two years, followed by a three-year transition period that began January 1, 2022. For periods beginning on or after January 1, 2025, the impact of the CECL deferral was fully phased in, while 75% of the impact of the CECL deferral was phased in at December 31, 2024.

(3)Huntington believes certain non-GAAP financial measures to be helpful in understanding Huntington’s results of operations. The following provides the comparable regulatory financial measure, as well as the reconciliation to the comparable regulatory financial measure.

16

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Huntington Bancshares Incorporated

Quarterly Common Stock Summary, Non-Regulatory Capital, and Other Data

(Unaudited)

Quarterly Common Stock Summary

			December 31,						September 30,						June 30,						March 31,						December 31,
			2025						2025						2025						2025						2024
Cash dividends declared per common share			$	0.155					$	0.155					$	0.155					$	0.155					$	0.155
Common shares outstanding (in millions):
Average - basic			1,544						1,459						1,457						1,454						1,453
Average - diluted			1,570						1,485						1,481						1,482						1,481
Ending			1,568						1,459						1,459						1,457						1,454
Tangible book value per common share			$	9.89					$	9.54					$	9.13					$	8.80					$	8.33

Non-Regulatory Capital

			December 31,						September 30,						June 30,						March 31,						December 31,
(dollar amounts in millions)			2025						2025						2025						2025						2024
Calculation of tangible equity / asset ratio:
Total Huntington shareholders’ equity			$	24,342					$	22,248					$	20,928					$	20,434					$	19,740
Goodwill and other intangible assets			(6,142)						(5,611)						(5,635)						(5,646)						(5,657)
Deferred tax liability on other intangible assets (1)			30						13						16						18						20
Total tangible equity			18,230						16,650						15,309						14,806						14,103
Preferred equity			(2,731)						(2,731)						(1,989)						(1,989)						(1,989)
Total tangible common equity			$	15,499					$	13,919					$	13,320					$	12,817					$	12,114
Total assets			$	225,106					$	210,228					$	207,742					$	209,596					$	204,230
Goodwill and other intangible assets			(6,142)						(5,611)						(5,635)						(5,646)						(5,657)
Deferred tax liability on other intangible assets (1)			30						13						16						18						20
Total tangible assets			$	218,994					$	204,630					$	202,123					$	203,968					$	198,593
Shareholders' equity / total assets			10.8		%				10.6		%				10.1		%				9.7		%				9.7		%
Tangible equity / tangible asset ratio			8.3						8.1						7.6						7.3						7.1
Tangible common equity / tangible asset ratio			7.1						6.8						6.6						6.3						6.1
Tangible common equity / RWA ratio (2)			9.3						9.3						9.0						8.9						8.4

(1)Deferred tax liability related to other intangible assets is calculated at a 21% tax rate.

(2)Estimated at December 31, 2025.

Other Data

			December 31,						September 30,						June 30,						March 31,						December 31,
			2025						2025						2025						2025						2024
Number of employees (Average full-time equivalent)			20,924						20,247						20,242						20,092						20,045
Number of domestic full-service branches (1)			1,005						972						971						968						978
ATM Count			1,591						1,569						1,565						1,560						1,577

(1)Includes Regional Banking and The Huntington Private Bank offices.

17

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Huntington Bancshares Incorporated

Quarterly Common Stock Summary, Non-Regulatory Capital, and Other Data (continued)

(Unaudited)

Return on Average Tangible Common Shareholders' Equity

			Three Months Ended
			December 31,						September 30,						June 30,						March 31,						December 31,
(dollar amounts in millions)			2025						2025						2025						2025						2024
Calculation of average tangible common shareholders' equity ratio:
Average Huntington common shareholders' equity			$	21,165					$	19,197					$	18,559					$	18,007					$	17,979
Less: Intangible assets and goodwill, net of tax effect			6,015						5,610						5,624						5,632						5,641
Average tangible common shareholders' equity (A)			$	15,150					$	13,587					$	12,935					$	12,375					$	12,338
Net income applicable to common shares			$	476					$	602					$	509					$	500					$	498
Add: Amortization of intangibles, net of deferred tax			10						8						9						9						9
Adjusted net income applicable to common shares			$	486					$	610					$	518					$	509					$	507
Adjusted net income applicable to common shares, annualized (B)			$	1,928					$	2,420					$	2,078					$	2,064					$	2,021
Return on average tangible common shareholders' equity (B/A)			12.7		%				17.8		%				16.1		%				16.7		%				16.4		%

18

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Huntington Bancshares Incorporated

Consolidated Annual Average Balance Sheets

(Unaudited)

			Annual Average Balances (1)												Change
(dollar amounts in millions)			2025						2024						Amount						Percent
Assets
Interest-earning deposits with banks			$	11,989					$	11,113					$	876					8		%
Securities:
Trading account securities			465						265						200						75
Available-for-sale securities:
Taxable			23,652						24,232						(580)						(2)
Tax-exempt			3,307						2,779						528						19
Total available-for-sale securities			26,959						27,011						(52)						—
Held-to-maturity securities - taxable			15,906						15,478						428						3
Other securities			899						789						110						14
Total securities			44,229						43,543						686						2
Loans held for sale			790						597						193						32
Loans and leases: (2)
Commercial:
Commercial and industrial			61,468						52,426						9,042						17
Commercial real estate:
Commercial			10,510						10,975						(465)						(4)
Construction			1,188						960						228						24
Commercial real estate			11,698						11,935						(237)						(2)
Lease financing			5,479						5,190						289						6
Total commercial			78,645						69,551						9,094						13
Consumer:
Residential mortgage			24,585						23,956						629						3
Automobile			15,406						13,372						2,034						15
Home equity			10,239						10,088						151						1
RV and marine			5,869						5,979						(110)						(2)
Other consumer			1,943						1,557						386						25
Total consumer			58,042						54,952						3,090						6
Total loans and leases			136,687						124,503						12,184						10
Total earning assets			193,695						179,756						13,939						8
Cash and due from banks			1,413						1,397						16						1
Goodwill and other intangible assets			5,740						5,680						60						1
All other assets			9,915						9,427						488						5
Total assets			$	210,763					$	196,260					$	14,503					7		%
Liabilities and shareholders' equity
Interest-bearing deposits:
Demand deposits - interest-bearing			$	45,368					$	40,401					$	4,967					12		%
Money market deposits			62,137						54,702						7,435						14
Savings deposits			15,100						15,141						(41)						—
Time deposits			13,678						15,343						(1,665)						(11)
Total interest-bearing deposits			136,283						125,587						10,696						9
Short-term borrowings			1,215						1,147						68						6
Long-term debt			17,363						15,224						2,139						14
Total interest-bearing liabilities			154,861						141,958						12,903						9
Demand deposits - noninterest-bearing			29,495						29,479						16						—
All other liabilities			4,905						5,123						(218)						(4)
Total liabilities			189,261						176,560						12,701						7
Total Huntington shareholders’ equity			21,458						19,651						1,807						9
Non-controlling interest			44						49						(5)						(10)
Total equity			21,502						19,700						1,802						9
Total liabilities and equity			$	210,763					$	196,260					$	14,503					7		%

(1)Amounts include the effects of hedge and risk management activities associated with the respective asset and liability categories.

(2)Includes nonaccrual loans.

19

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Huntington Bancshares Incorporated

Consolidated Annual Net Interest Margin - Interest Income / Expense

(Unaudited)

			Annual Interest Income / Expense (1) (2)
(dollar amounts in millions)			2025						2024						2023
Assets
Interest-earning deposits with banks			$	526					$	598					$	492
Securities:
Trading account securities			17						13						4
Available-for-sale securities:
Taxable			1,023						1,251						1,016
Tax-exempt			167						141						132
Total available-for-sale securities			1,190						1,392						1,148
Held-to-maturity securities - taxable			423						385						401
Other securities			47						42						53
Total securities			1,677						1,832						1,606
Loans held for sale			50						40						35
Loans and leases:
Commercial:
Commercial and industrial			3,769						3,321						2,991
Commercial real estate:
Commercial			701						821						865
Construction			87						86						107
Commercial real estate			788						907						972
Lease Financing			365						336						289
Total commercial			4,922						4,564						4,252
Consumer:
Residential mortgage			1,031						943						825
Automobile			901						726						561
Home equity			743						780						760
RV and marine			317						310						271
Other consumer			208						181						156
Total consumer			3,200						2,940						2,573
Total loans and leases			8,122						7,504						6,825
Total earning assets			$	10,375					$	9,974					$	8,958
Liabilities
Interest-bearing deposits:
Demand deposits - interest-bearing			$	890					$	858					$	703
Money market deposits			1,825						1,994						1,365
Savings deposits			50						15						3
Time deposits			517						705						426
Total interest-bearing deposits			3,282						3,572						2,497
Short-term borrowings			50						69						179
Long-term debt			987						935						801
Total interest-bearing liabilities			4,319						4,576						3,477
Net interest income			$	6,056					$	5,398					$	5,481

(1)Calculated on a fully-taxable equivalent (FTE) basis, which represents a non-GAAP measure, assuming a 21% tax rate. See page 22 for the FTE adjustment.

(2)Amounts include the effects of hedge and risk management activities associated with the respective asset and liability categories.

20

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Huntington Bancshares Incorporated

Consolidated Annual Net Interest Margin - Yield / Rate

(Unaudited)

			Annual Average Yield / Rate (1)
			2025						2024						2023
Assets
Interest-earning deposits with banks			4.38		%				5.38		%				5.30		%
Securities:
Trading account securities			3.75						5.04						5.14
Available-for-sale securities:
Taxable			4.33						5.16						4.95
Tax-exempt			5.04						5.08						4.84
Total available-for-sale securities			4.41						5.15						4.93
Held-to-maturity securities - taxable			2.66						2.49						2.43
Other securities			5.28						5.33						5.70
Total securities			3.79						4.21						3.94
Loans held for sale			6.37						6.63						6.34
Loans and leases: (2)
Commercial:
Commercial and industrial			6.13						6.33						6.03
Commercial real estate:
Commercial			6.67						7.48						7.32
Construction			7.30						9.01						8.12
Commercial real estate			6.74						7.60						7.40
Lease financing			6.67						6.47						5.63
Total commercial			6.26						6.56						6.26
Consumer:
Residential mortgage			4.20						3.94						3.59
Automobile			5.85						5.43						4.36
Home equity			7.25						7.73						7.48
RV and marine			5.40						5.19						4.79
Other consumer			10.63						11.61						11.53
Total consumer			5.51						5.35						4.85
Total loans and leases			5.94						6.03						5.64
Total earning assets			5.36						5.55						5.22
Liabilities
Interest-bearing deposits:
Demand deposits - interest-bearing			1.96		%				2.12		%				1.76		%
Money market deposits			2.94						3.64						3.04
Savings deposits			0.33						0.10						0.02
Time deposits			3.78						4.60						3.86
Total interest-bearing deposits			2.41						2.84						2.20
Short-term borrowings			4.11						5.99						5.81
Long-term debt			5.68						6.14						6.01
Total interest-bearing liabilities			2.79						3.22						2.68
Net interest rate spread			2.57						2.33						2.54
Impact of noninterest-bearing funds on margin			0.56						0.67						0.65
Net interest margin			3.13		%				3.00		%				3.19		%

Additional Information:
Commercial Loan Derivative Impact
Commercial loans (2) (3)			6.53		%				7.23		%				6.95		%
Impact of commercial loan derivatives			(0.27)						(0.67)						(0.69)
Total commercial - as reported			6.26		%				6.56		%				6.26		%
Average SOFR			4.24		%				5.15		%				5.00		%
Total cost of deposits (4)			1.98		%				2.30		%				1.69		%

(1)Calculated on a fully-taxable equivalent (FTE) basis, which represents a non-GAAP measure, assuming a 21% tax rate. See page 22 for the FTE adjustment.

(2)Includes nonaccrual loans and leases.

(3)Yield/rate exclude the effects of hedge and risk management activities associated with the respective asset and liability categories.

(4)Includes noninterest-bearing and interest-bearing deposit balances.

21

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Huntington Bancshares Incorporated

Selected Annual Income Statement Data

(Unaudited)

			Year Ended December 31,												Change
(dollar amounts in millions, except per share data)			2025						2024						Amount						Percent
Interest income			$	10,310					$	9,921					$	389					4		%
Interest expense			4,319						4,576						(257)						(6)
Net interest income			5,991						5,345						646						12
Provision for credit losses			463						420						43						10
Net interest income after provision for credit losses			5,528						4,925						603						12
Payments and cash management revenue			664						620						44						7
Wealth and asset management revenue			409						364						45						12
Customer deposit and loan fees			390						334						56						17
Capital markets and advisory fees			346						327						19						6
Mortgage banking income			141						130						11						8
Insurance income			81						77						4						5
Leasing revenue			66						79						(13)						(16)
Net gains (losses) on sales of securities			(58)						(21)						(37)						NM
Other noninterest income			136						130						6						5
Total noninterest income			2,175						2,040						135						7
Personnel costs			2,995						2,701						294						11
Outside data processing and other services			772						665						107						16
Equipment			268						267						1						—
Net occupancy			232						221						11						5
Professional services			155						99						56						57
Marketing			127						116						11						9
Deposit and other insurance expense			65						114						(49)						(43)
Amortization of intangibles			46						47						(1)						(2)
Lease financing equipment depreciation			13						15						(2)						(13)
Other noninterest expense			342						317						25						8
Total noninterest expense			5,015						4,562						453						10
Income before income taxes			2,688						2,403						285						12
Provision for income taxes			459						443						16						4
Income after income taxes			2,229						1,960						269						14
Income attributable to non-controlling interest			18						20						(2)						(10)
Net income attributable to Huntington			2,211						1,940						271						14
Dividends on preferred shares			124						134						(10)						(7)
Impact of preferred stock redemptions			—						5						(5)						NM
Net income applicable to common shares			$	2,087					$	1,801					$	286					16		%
Average common shares - basic			1,479						1,451						28						2
Average common shares - diluted			1,505						1,476						29						2
Per common share
Net income - basic			$	1.41					$	1.24					$	0.17					14		%
Net income - diluted			1.39						1.22						0.17						14
Cash dividends declared			0.62						0.62						—						—
Revenue - fully taxable equivalent (FTE)
Net interest income			$	5,991					$	5,345					$	646					12		%
FTE adjustment			65						53						12						23
Net interest income (1)			6,056						5,398						658						12
Noninterest income			2,175						2,040						135						7
Total revenue (1)			$	8,231					$	7,438					$	793					11		%

NM - Not Meaningful

(1)Calculated on a fully-taxable equivalent (FTE) basis, which represents a non-GAAP measure, assuming a 21% tax rate.

22

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Huntington Bancshares Incorporated

Annual Mortgage Banking Noninterest Income

(Unaudited)

			Year Ended December 31,
(dollar amounts in millions)			2025						2024						2023
Net origination and secondary marketing income			$	102					$	83					$	69
Net mortgage servicing income
Loan servicing income			104						101						94
Amortization of capitalized servicing			(68)						(55)						(48)
Operating income			36						46						46
MSR valuation adjustment (1)			(3)						59						7
Gains (losses) due to MSR hedging			5						(59)						(10)
Net MSR risk management			2						—						(3)
Total net mortgage servicing income			38						46						43
All other			1						1						(3)
Mortgage banking income			$	141					$	130					$	109
Mortgage origination volume			$	8,432					$	7,416					$	7,602
Mortgage origination volume for sale			5,383						4,439						4,205
Third party mortgage loans serviced (2)			$	34,407					$	33,696					$	33,237
Mortgage servicing rights (2)			593						573						515
MSR % of investor servicing portfolio			1.72		%				1.70		%				1.55		%

(1)The change in fair value for the period represents the MSR valuation adjustment, net of amortization of capitalized servicing.

(2)At period end.

23

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Huntington Bancshares Incorporated

Annual Credit Reserves Analysis

(Unaudited)

			Year Ended December 31,
(dollar amounts in millions)			2025						2024						2023
Allowance for loan and lease losses, beginning of period			$	2,244					$	2,255					$	2,121
Loan and lease charge-offs			(526)						(531)						(454)
Recoveries of loans and leases previously charged off			210						159						181
Net loan and lease charge-offs			(316)						(372)						(273)
Provision for loan and lease losses			466						361						407
Allowance on PCD loans and leases at acquisition			71						—						—
Allowance on purchased seasoned loans and leases at acquisition (1)			72						—						—
Allowance for loan and lease losses, end of period			$	2,537					$	2,244					$	2,255
Allowance for unfunded lending commitments, beginning of period			$	202					$	145					$	150
Provision (benefit) for unfunded lending commitments			—						57						(5)
Acquired unfunded lending commitments			4						—						—
Allowance for unfunded lending commitments, end of period			206						202						145
Total allowance for credit losses, end of period			$	2,743					$	2,446					$	2,400
Allowance for loan and lease losses (ALLL) as % of:
Total loans and leases			1.70		%				1.73		%				1.85		%
Nonaccrual loans and leases (NALs)			272						286						338
Nonperforming assets (NPAs)			269						273						317
Total allowance for credit losses (ACL) as % of:
Total loans and leases			1.83		%				1.88		%				1.97		%
Nonaccrual loans and leases (NALs)			295						312						360
Nonperforming assets (NPAs)			290						297						337

(1)    Reflects Huntington's October 1, 2025 adoption of Accounting Standards Update (ASU) 2025-08 applicable to purchased loans whereby non-PCD loans acquired in a business combination are deemed "purchased seasoned loans" and subject to the gross-approach resulting in recognition of an allowance for credit losses at acquisition.

			December 31,
(dollar amounts in millions)			2025						2024						2023
Allocation of allowance for credit losses
Commercial
Commercial and industrial			$	1,070					$	947					$	993
Commercial real estate			569						473						522
Lease financing			92						64						48
Total commercial			1,731						1,484						1,563
Consumer
Residential mortgage			205						205						188
Automobile			181						145						142
Home equity			149						148						114
RV and marine			136						150						148
Other consumer			135						112						100
Total consumer			806						760						692
Total allowance for loan and lease losses			2,537						2,244						2,255
Allowance for unfunded lending commitments			206						202						145
Total allowance for credit losses			$	2,743					$	2,446					$	2,400

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Huntington Bancshares Incorporated

Annual Net Charge-Off Analysis

(Unaudited)

			Year Ended December 31,
(dollar amounts in millions)			2025						2024						2023
Net charge-offs (recoveries) by loan and lease type:
Commercial:
Commercial and industrial			$	159					$	166					$	107
Commercial real estate			(7)						52						57
Lease financing			(1)						(1)						(6)
Total commercial			151						217						158
Consumer:
Residential mortgage			1						1						2
Automobile			44						35						21
Home equity			1						(1)						(1)
RV and marine			22						22						12
Other consumer			97						98						81
Total consumer			165						155						115
Total net charge-offs			$	316					$	372					$	273
Net charge-offs (recoveries) as a percentage of average loans:
Commercial:
Commercial and industrial			0.26		%				0.32		%				0.22		%
Commercial real estate			(0.06)						0.43						0.43
Lease financing			(0.01)						(0.03)						(0.12)
Total commercial			0.19						0.31						0.23
Consumer:
Residential mortgage			0.01						0.01						0.01
Automobile			0.29						0.26						0.16
Home equity			0.01						(0.01)						(0.01)
RV and marine			0.38						0.36						0.21
Other consumer			4.98						6.32						6.03
Total consumer			0.29						0.28						0.22
Net charge-offs as a % of average loans and leases			0.23		%				0.30		%				0.23		%

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Huntington Bancshares Incorporated

Annual Nonaccrual Loans and Leases (NALs) and Nonperforming Assets (NPAs)

(Unaudited)

			December 31,
(dollar amounts in millions)			2025						2024						2023
Nonaccrual loans and leases (NALs):
Commercial and industrial			$	562					$	457					$	344
Commercial real estate			133						118						140
Lease financing			8						10						14
Residential mortgage			107						83						72
Automobile			6						6						4
Home equity			113						107						91
RV and marine			2						2						2
Total nonaccrual loans and leases			931						783						667
Other real estate, net			13						8						10
Other NPAs (1)			1						31						34
Total nonperforming assets			$	945					$	822					$	711
Nonaccrual loans and leases as a % of total loans and leases			0.62		%				0.60		%				0.55		%
NPA ratio (2)			0.63						0.63						0.58
(NPA+90days)/(Loan+OREO) (3)			0.82						0.82						0.74

			December 31,
(dollar amounts in millions)			2025						2024						2023
Nonperforming assets, beginning of period			$	822					$	711					$	594
Acquired nonperforming assets			81						—						—
New nonperforming assets			1,145						1,104						977
Returns to accruing status			(105)						(224)						(177)
Loan and lease losses			(249)						(236)						(231)
Payments			(689)						(522)						(425)
Sales and held-for-sale transfers			(60)						(11)						(27)
Nonperforming assets, end of period			$	945					$	822					$	711

(1)Other nonperforming assets include certain impaired securities and/or nonaccrual loans held-for-sale.

(2)Nonperforming assets divided by the sum of loans and leases, net other real estate owned, and other NPAs.

(3)The sum of nonperforming assets and total accruing loans and leases past due 90 days or more divided by the sum of loans and leases and other real estate.

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